Best Banking Apps in BRAZIL: App Pulse Score© (APS) User Satisfaction Survey
August 2026 Survey
AGI: CONTA, CARTÃO E EMPRÉSTIMO | BANCO ITAÚ: CONTA, CARTÃO E + | BANCO MERCANTIL | BANCO PAGBANK: CONTA GRATUITA | BANCO PAN: CONTA, CARTÃO E + | BANCO PICPAY: CARTÃO, PIX E + | BB: BANCO, CONTA, PIX, CARTÃO | BRADESCO: CONTA, CARTÃO E PIX! | C6 BANK: CARTÃO, CONTA E MAIS! | CAIXA | CARTÃO CARREFOUR | DMCARD / CONTA DIGITAL | INFINITEPAY TAP, CONTA, CARTÃO | INTER: CONTA, CARTÃO E PIX | MERCADO PAGO | NEON CARTÃO DE CRÉDITO E CONTA | NUBANK: CONTA, CARTÃO E MAIS | PORTO: SEGUROS, CONTA E CARTÃO PORTO SEGURO | SANTANDER BRASIL | SICOOB | SICREDI |
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AGI: CONTA, CARTÃO E EMPRÉSTIMO | BANCO ITAÚ: CONTA, CARTÃO E + | BANCO MERCANTIL | BANCO PAGBANK: CONTA GRATUITA | BANCO PAN: CONTA, CARTÃO E + | BANCO PICPAY: CARTÃO, PIX E + | BB: BANCO, CONTA, PIX, CARTÃO | BRADESCO: CONTA, CARTÃO E PIX! | C6 BANK: CARTÃO, CONTA E MAIS! | CAIXA | CARTÃO CARREFOUR | DMCARD / CONTA DIGITAL | INFINITEPAY TAP, CONTA, CARTÃO | INTER: CONTA, CARTÃO E PIX | MERCADO PAGO | NEON CARTÃO DE CRÉDITO E CONTA | NUBANK: CONTA, CARTÃO E MAIS | PORTO: SEGUROS, CONTA E CARTÃO PORTO SEGURO | SANTANDER BRASIL | SICOOB | SICREDI | 〰️
The August 2026 App Pulse Score© (APS) Survey shows that the leading banking Apps are increasingly competing on the complete digital experience: usability, reliability, trust, speed, clarity and the ability to make everyday financial interactions feel effortless.
To stand out in Brazil’s Banking ecosystem an App needs to reach 93% FANs, keep CRITICs at or below 3%, and achieve an APP SCORE INDEX of 95. These benchmarks indicate a market in which the leading Apps are expected to convert the majority of their users into positive advocates while keeping negative experiences to a minimum.
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APS Score: 97,3 - Fans rate: 93,6% - Critics rate: 2,9%
Strong Points
Users consistently describe the app as easy to use, intuitive, fast, and fluid, with navigation and everyday financial operations perceived as straightforward. The combination of banking, payments, cards, credit, and Mercado Libre integration is also seen as convenient and practical.
The app generates strong satisfaction among users who receive access to financial products and benefits. Positive feedback highlights credit availability, debit and credit cards, salary transfers, cashback, and other account benefits, particularly among users who perceive Mercado Pago as more rewarding than traditional banking alternatives.
Trust and convenience are important strengths. Several users characterize the app as efficient, reliable, and uncomplicated, while others recommend it strongly based on their experience with payments, purchases, transfers, and account management.Pain Points
Customer support is the most prominent weakness in the feedback. Users repeatedly report difficulty reaching a human agent, excessive reliance on virtual assistants, slow responses, and unresolved account or transaction problems. Account suspensions, verification issues, and disputed transactions appear particularly frustrating when users cannot obtain personalized assistance.
Credit and repayment flexibility are another recurring source of dissatisfaction. Users request higher credit limits, access to credit cards, longer personal-loan terms, and the ability to anticipate installments or schedule payments more flexibly. High interest rates and limitations compared with competing apps are also mentioned as barriers to greater usage.
Some users report serious concerns involving transactions, charges, refunds, and account security. Complaints include disputed debits, payments for returned products, delayed or missing refunds, unauthorized or unexpected deductions, and difficulties activating certain features. These experiences can significantly undermine trust, particularly when users feel there is insufficient transparency or support to resolve the issue. -
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